• Fair Go Guarantee

    We offer the same great rates to new
    and existing customers

    Rates from
    1.89 % PA

    Variable rate & Comparison rate^

     

    FIND OUT MORE
    FIND OUT MORE
    GET STARTED

Interest Rate Update

Variable interest rates on homeloans.com.au loans are decreasing by 0.15%. Rates on our website have been reduced accordingly and they will take effect from 13 November 2020. Even if you apply before 13 November, our new low rates will apply.

We are currently experiencing technical issues with our phone system.

We'd love to help you with your home loan enquiry. While our phone system is down, you can get in touch with us here. We apologise for any inconvenience.

Maintenance and outages

Due to planned server maintenance, our “Online Application” form will not be available on Sunday 19th December between 2:00am and 6:00am AEDT.
We apologise for any inconvenience caused.

Information for customers requiring financial assistance

Learn more

Who is
homeloans.com.au?

homeloans.com.au is an award-winning provider of flexible and competitive home loans for all walks of life, whether you’re a first home buyer, investor, or self-employed, or you’re looking to up-size, down-size, or get back on track after one of life’s speed bumps. We are a wholly owned subsidiary of Resimac Group Ltd ("Resimac", ASX code RMC), a leading non-bank lender in Australia and New Zealand, established in 1985 and recognised as Non-Bank of the Year at the 2020 Australian Mortgage Awards. More about us

  • 50,000+

    Join over 50,000 savvy
    customers

  • $15bn+

    Of current lending in Australia
    and NZ

  • 35+yrs

    Helping Australians achieve
    financial success since 1985
homeloans.com.au
 

Why choose
homeloans.com.au?

All our loans offer great features that help you pay it off sooner, including offset accounts, extra repayments and redraw funds. Our loans are fully funded by our parent company (Resimac Group Ltd), which has over 35 years of experience delivering a diverse range of home finance solutions and was recently recognised as Australia’s best non-bank lender.

  • Low rates

    Super-competitive rates for the life of the loan for a range of borrower situations

  • $0 homeloans.com.au fees*

    No Upfront, Ongoing or Exit fees

  • Fair Go Guarantee

    We offer the same great rates to new and existing customers

  • Fast, online process

    Online process that lets you work at your own pace (even if that's real fast!)

  • An amazing team

    Australian-based Lending Specialists who provide a service that our customers rave about

  • A tree planted

    A tree planted for every new home loan

Why our customers

love us

  • homeloans.com.au just get it

    As a very happy existing customer I get all the benefits of a new customer. All homeloans customers get the Fair Go guarantee, which means all customers get the same rate - new or existing. In the market for a home loan check you must consider homeloans.com.au.

    Georgina

    Awesome experience so far

    What a fantastic gesture!, just received an email from homeloans.com.au to advise they are reducing the interest rate on our existing home loan by 0.25% and we didn't even ask! Simply because they have reduced the interest rate for the same mortgage product we have for their new customers. Treating existing customer as new customer. Wow!! Thanks homeloans.com.au we really appreciate and I'm sure other existing customers will be just as pleased.

    Suneeth R

    They dropped my rate

    What a great surprise to find out they have dropped my rate. Great lender. Ever since I switched from St George Bank I have never been happier. Keep up the great work. Highly recommend this online bank.

    Minh H
Reviews sourced from productreview.com.au. See all reviews here

How does it work?

  • Submit

    Provide us with your details using our quick, simple and secure process
    Get Started

  • Approve

    We'll either approve your application or contact you to put on the finishing touches

  • Finalise

    You sign, we finalise! If it's a refinance we'll contact your current lender and make all the arrangements

  • Settle

    Congratulations! Your new loan settles and you're part of the homeloans.com.au family

Our team of Australian-based Lending Specialists are available to assist you, so if you need to talk to us at any stage throughout the process please don't hesitate to get in touch.

  • Professional/prompt service

    After having a disappointing

    (unsuccessful) experience with my

    local Mortgage Broker I cautiously (I’m

    a boomer who prefers face to face

    communication) commenced an online

    home loan refinance application with

    State Custodians…

    Professional/prompt service

    After having a disappointing

    (unsuccessful) experience with my

    local Mortgage Broker I cautiously (I’m

    a boomer who prefers face to face

    communication) commenced an online

    home loan refinance application with

    State Custodians…

    Professional/prompt service

    After having a disappointing

    (unsuccessful) experience with my

    local Mortgage Broker I cautiously (I’m

    a boomer who prefers face to face

    communication) commenced an online

    home loan refinance application with

    State Custodians…

Get started

To find out if you are eligible or to begin the process, click the buttons below. Using our fast, online application you can start,
stop, save and continue whenever you like!

A new tree for every home loan

When you take out a loan with homeloans.com.au, you're also helping to reduce greenhouse gases in the atmosphere through a new tree we plant on your behalf. This one tree will offset 120 kilograms of carbon from Earth's atmosphere over its lifetime. This program is an important part of our DNA, and we're committed to working hand-in-hand with our customers to help create a better future for our planet. Our parent company has planted more then 40,000 trees in the Australian Wheatbelt region, offsetting more than nearly five million kilograms of carbon emissions!

Talk to us

Need to know:

Terms and condition and credit criteria apply. *Government charges apply. Third party charges may also apply. ^The comparison rate is based on a loan amount of $150,000 over 25 years with fees and charges payable. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Interest rates are effective from 23 September 2021 and are subject to change, you can view all our rates here.
 
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Scheduled system maintenance
Due to a planned technical systems update, our “Online Application” form will not be available on Wednesday 24th November from
9:45pm – 10:15pm AEST.

We apologise for any inconvenience caused.
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